ComplaintsforRiver Works Credit Union

• Initial Complaint

  03/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Iam a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. RIVER WORKS CREDIT UNI $4971 *********

  

  Business response

  03/14/2022

  RiverWorks Credit Union provides to you herewith a copy of our response to this complaint which we have also sent to the complainant for your files.  If you require any further information, please do not hesitate to contact ***************************, EVP Compliance/Ops.

  03/14/2022 - Response:

  
  RiverWorks Credit Union received your notice stating that you are a victim of identity theft, and you are exercising your rights under the Fair Credit Reporting Act section 605b.  As you noted the Credit Union should block fraudulent activity within 4 business days after notification has been provided to the Credit Reporting Agency.  See the section below:
  605B. Block of information resulting from identity theft
  [15 U.S.C. 1681c-2]
  
  (a) Block. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
  

  (1)appropriate proof of the identity of the consumer;
  (2) a copy of an identity theft report;
  (3)the identification of such information by the consumer; and
  (4) a statement by the consumer that the information is not information relating to any transaction by the consumer.
  
  (b) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection (a)--
  

  (1)that the information may be a result of identity theft;
  (2)that an identity theft report has been filed;
  (3)that a block has been requested under this section; and
  (4) of the effective dates of the block.
  
  RiverWorks Credit Union, as well as any other Financial Institution Union, takes Identity Theft very seriously.  However, RWCU has not received any of the documentation listed above directly from the consumer nor from any ************************* stating victim of Identity Theft.  The list of major consumer reporting agencies, per the ************************************ are:
  Equifax **************
  Experian **************
  TransUnion **************
  

  In addition, you should create an Identity Theft Report because it can help you get fraudulent information removed from your credit report, stop a company from collecting debts caused by identity theft (there may be other creditors), and get information about accounts a thief opened in your name.
  

  To create an Identity Theft Report:
  file a complaint with the *** at ftc.gov/complaint or **************; TTY: **************. Your completed complaint is called an *** Affidavit.
  take your *** Affidavit to your local police, or to the police where the theft occurred, and file a police report. Get a copy of the police report. The two documents comprise an Identity Theft Report.
  

  At this time, RiverWorks Credit Union has updated the credit report(s) to reflect that the item listed on the credit report is being disputed by the consumer, pending additional information and our completed investigation to determine all relevant facts.  RiverWorks Credit Union will need the following documentation as required for the identity theft dispute to complete the process:
  

  (1)appropriate proof of the identity of the consumer;
  (2) a copy of an identity theft report;
  (3)the identification of such information by the consumer; and
  (4) a statement by the consumer that the information is not information relating to any transaction by the consumer.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩